Arizona money transmitter bonds.
From $250.
Arizona licenses money transmitters through the Department of Insurance and Financial Institutions, and A.R.S. § 6-1228 requires a surety bond at all times: the greater of $25,000 or 100% of your average daily money transmission liability in Arizona, capped at $500,000. Ours is 1% of the bond amount.
Trusted by industry leaders
How much does an Arizona money transmitter bond cost?
1% of the bond amount, from $250 at the $25,000 minimum. Enter your amount in the calculator for the exact price.
Three steps. One sitting.
No underwriting queue for the standard money transmitter bond — enter your amount, pay, and file with DIFI. Here is the whole thing:
Apply online
Your business details, NMLS number, the bond amount your license requires, and the effective date — that is the application. No credit check up to $25,000.
Issued the moment you pay
This bond is checkout-priced — the premium is 1% of the bond amount you enter, and the executed bond is generated when you pay.
File with DIFI
Your executed bond and power of attorney arrive by email, ready to submit with your money transmitter license application or renewal through NMLS. Wet-ink original mailed on request.
What it is and who needs it.
What the money transmitter bond guarantees
Arizona adopted the Money Transmission Modernization Act framework in Title 6, Chapter 12, and A.R.S. § 6-1228 requires an applicant to provide — and a licensee to maintain at all times — a surety bond in a form satisfactory to the director. The bond stands behind your compliance with the chapter: the customer funds you accept for transmission actually have to move.
It's a three-party arrangement: your company (the principal), the surety carrier, and the state (the obligee), with the people whose money you transmit as the protected parties. If transmissions fail or customer funds are mishandled, the harmed party can recover against the bond — and if the surety pays, your company repays the surety.
The amount tracks your book: the greater of $25,000 or 100% of your average daily money transmission liability in Arizona over the most recently completed three-month period, capped at $500,000. A licensee whose tangible net worth exceeds ten percent of total assets may hold the bond at $25,000. The bond must stay in force for the life of the license — we track the term and send renewal notices 60 and 30 days out.
You need this bond if you're
Claims, renewal, filing, and what sets the price.
If a claim is made
A claim comes from the party the bond protects, the obligee named on the form, when the duty the bond guarantees is not met.
The surety investigates and pays a valid claim, up to the bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.
Renewal and term
The premium covers a one-year term from the effective date you choose.
Renew before the expiry date to keep the bond in force: the license, permit or contract it backs expects continuous coverage.
How to file it
File with DIFI. Your executed bond and power of attorney arrive by email, ready to submit with your money transmitter license application or renewal through NMLS. Wet-ink original mailed on request.
What sets the price
The premium is 1% of the bond amount, $100 minimum: the amount the obligee sets moves the price, not your business profile.
No credit check up to $25,000. Above that, the carrier may run a soft pull, which never affects your score.
Where a check runs, it decides approval; the rate is the same for everyone approved.
One application, issued instantly.
Enter the bond amount your license requires and the executed bond generates at checkout — 1% of the bond amount. No credit check up to $25,000.
Start the application →Common questions.
Other Arizona bonds.
The same bond in nearby states.
Price and requirements checked on the carrier’s application, . Page updated .
Finish your license checklist today.
1% of the bond amount, issued the moment you pay. Free until issued.